Before I started my employee benefits career, my wife and I would passively enroll in the same medical plans year in and year out. We were never curious about other plan options that each of our employers offered, and despite the rising contributions we had to pay, we always stayed put.
A few years ago I switched jobs and took a closer look at both of our employee benefits programs. I was stunned with what I found. I discovered a medical plan that all of our doctors participated in for $2,300 less a year! I also uncovered a very affordable group term life plan. An evaluation of my wifes benefits revealed a fully paid, long-term disability plan that she was automatically enrolled in, which made the extra LTD policy we thought about buying no longer necessary.
